Job Duties
- Develops data driven strategies by partnering with leaders across the organization to drive business decisions
- Designs underwriting and pricing strategies for new originations
- Develop and deploy monitoring frameworks to assess the performance of existing scorecard, and advise on enhancement opportunities
- Enhance existing loss and delinquency forecasting framework and monitors performance against actuals
- Creates and monitors different mechanisms of detecting emerging risks including but not limited to delinquency, loss and roll rate trends, forecast misses and breakages in correlations
- Drives customer insights and influences leadership on the value of these strategies
- Collaborates with business partners, legal, compliance and collection operations to ensure new strategies are compliant and successfully monitored
- Utilizes tools such as Python and SQL to organize complex data and uses analytical techniques to create solutions to enhance collection strategy
Education/Certification
Required
- 4 Year / Bachelor's Degree Finance, Economics, Math, Statistics, Engineering, or related field
Preferred
- Graduate Degree Finance, Economics, Math, Statistics, Engineering or related field
Skills
Required
- A good understanding of the financials (P&L) dynamics of a consumer finance business.
- Knowledge of credit risk, underwriting, pricing, and marketing analytics
- Strong data analysis experience within the financial services industry.
- Excellent SQL skills: extensive experience querying large, complex data sets
- Strong analytical, conceptual thinking and planning skills
- Experience with Python and Power BI
- Excellent critical thinking, problem solving, mathematical skills and sound judgment
- Excellent communication skills (verbal and written) with the ability to interact with all employee levels including executive management
- Knowledge of Underwriting, Loan Servicing, Collections, and Risk Management
- Auto Finance lending experience
